Real ChatGPT answer · index seedSuFHzdbfqLAcompleteFinance and banking · credit scores and repairbrand
How do mortgage lenders view authorized user tradelines when calculating our debt to income ratio for a conventional home loan?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do mortgage lenders view authorized user tradelines when calculating our debt to income ratio for a conventional home loan?
2 real searches · 1 real-search pass
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
Fannie Mae Selling Guide authorized user tradeline debt-to-income ratio monthly payment authorized user credit card liability Google ↗
Freddie Mac Seller Servicer Guide authorized user credit card debt-to-income ratio liability authorized user Google ↗
- FAQ: Top Trending Selling FAQs · singlefamily.fanniemae.com
- Authorized Users of Credit · selling-guide.fanniemae.com
- DU Credit Report Analysis · guide-selling.fanniemae.com
- Freddie Mac Single-Family Seller/Servicer Guide PDF · guide.freddiemac.com
- 25-24: Freddie Mac Update: Treatment of Authorized User Accounts · corr.pennymac.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Fannie Mae Selling Guide authorized user tradeline debt-to-income ratio monthly payment authorized user credit card liability OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Freddie Mac Seller Servicer Guide authorized user credit card debt-to-income ratio liability authorized user OBSERVED | Google ↗ AI Mode ↗ | — | Yes / no | — | — | 1x of 1 |